Home Equity Loan Rates

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Make more of your home's equity work in your favor

When you're ready to use your equity to tackle a large, one-time project or expense, you want a home equity loan rate that keeps more money in your pocket. That's where Sacramento Credit Union comes in.


Rates effective as of October 19, 2021.

Term Amount APR* as low as
4 years $10,000 - $100,000 3.49%
10 years $10,000 - $100,000 3.69%
15 years $15,000 - $100,000 3.99%
20 years $25,000 - $100,000 4.49%
  • 5, 6 and 7 year rates are also available.
  • Rates displayed are for owner occupied properties. Please contact us for rates for other terms and for non-owner occupied properties.
  • Combined loan-to-value (CLTV) must be 80% or less. Lower CLTV may be required based on term and credit worthiness.

*APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. All loans are subject to property valuation, limited to one-to-four family units located in the state of California, excludes manufactured and mobile homes. Other restrictions on the property may apply. Loans secured by your home other than your first mortgage must be paid at the time of account funding. Property insurance required. Flood insurance might be required. Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan paid off or closed within the first 36 months.